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“Working to Stop the Spread” certificates available

From the very beginning of the Covid-19 pandemic, countless businesses in Putnam County have worked tirelessly to comply with or exceed New York State Covid-19 guidelines. To recognize the efforts of these businesses, “Working to Stop the Spread” certificates are now available through Putnam County Economic Development Corporation (EDC) and Putnam County Tourism.

Read more: Joint initiative recognizes efforts made by county businesses  

Empire State 

Restaurant Recovery Fund

In an effort to support small businesses during the COVID-19 pandemic, the Raising the Bar Restaurant Recovery Fund offers ​approximately $3 million in reimbursement grants for up to $5,000 to eligible businesses. The program is intended to support full-service restaurants – the industry hit hardest by the pandemic – during the winter months when outdoor dining is limited and as restaurants adjust to New York State’s COVID-19 safety restrictions and new mandates. 

The Raising the Bar Restaurant Recovery Fund is a partnership between New York State, Diageo Wine & Spirits, Southern Glazer Wines & Spirits and The National Development Council (NDC). Grant funding will be managed by The National Development Council (NDC).

Restaurants can apply to the Rising the Bar Restaurant Recovery Fund starting Monday, January 11, 2021.  ​


Coronavirus Relief Options 

Our nation’s small businesses are facing an unprecedented economic disruption due to the Coronavirus (COVID-19) outbreak. On Friday, March 27, 2020, the President signed into law the CARES Act, the first of several relief packages for American workers and small businesses.

In addition to traditional SBA funding programs, the CARES Act and subsequent legislation established several new temporary programs to address the COVID-19 outbreak.

Bridge Loans

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

U.S. Senate Committee on
Small Business & Entrepreneurship

Small Business Owner’s
Guide to the CARES Act

The programs and initiatives in the Coronavirus Aid, Relief, and Economic Security (CARES) Act that was just passed by Congress are intended to assist business owners with whatever needs they have right now. When implemented, there will be many new resources available for small businesses, as well as certain non-profits and other employers. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.

U.S. Economic
Development Administration

Recovery Assistance

EDA CARES Act Recovery Assistance, which is being administered under the authority of the bureau’s flexible Economic Adjustment Assistance (EAA) (PDF) program, provides a wide-range of financial assistance to communities and regions as they respond to and recover from the impacts of the pandemic.

Community Capital NY

Emergency Express Loan

For Small Businesses in Westchester and the Hudson Valley impacted by COVID-19. If your small business needs immediate working capital, Community Capital NY’s Emergency Express Loan can help you bridge the gap up to $10,000.

NYS Department 
of Labor

Unemployment Insurance Benefits

On March 27, 2020, the President of the United States signed a law that provides additional Unemployment Insurance (“UI”) assistance to workers impacted by COVID-19. This new law provides:

• Pandemic Unemployment Assistance – Extended eligibility for individuals who have traditionally
been ineligible for UI benefits (e.g., self-employed workers, independent contractors);

• Pandemic Unemployment Compensation – An additional $600 per week, on top of regular benefits, to all UI
recipients; and,

• Pandemic Emergency Unemployment Compensation – An additional 13 weeks of UI benefits,
beyond the regular 26 weeks already provided, for a total of 39 weeks of coverage.

Putnam SCORE

SCORE, the nation’s largest network of volunteer, expert business mentors, is dedicated to helping small businesses get off the ground, grow and achieve their goals. More than ever, challenging times call for trusted business guidance and resources. SCORE offers practical advice and insightful tips based on years of experience.

Click here to visit the national SCORE Coronavirus Small Business Resource Hub 


The local Putnam chapter of SCORE provides a wide range of services to established and budding business owners alike, including:


Webinars and Courses on Demand

Library of Online Resources

Local Events

See below for links to local Putnam-based SCORE services. 


New York State


New York Forward Loan Fund

New York Forward Loan Fund (NYFLF) is a new economic recovery loan program aimed at supporting New York State small businesses, nonprofits and small landlords as they reopen after the COVID-19 outbreak and NYS on PAUSE.

NYFLF targets the state’s small businesses with 20 or fewer full-time equivalent (FTE) employees (90% of all businesses), nonprofits and small landlords that have seen a loss of rental income.

State Liquor Authority

New York State Liquor Authority Guidance 

Office of the Governor
Executive Orders

Federal Reserve
Bank of Boston

Main Street
Lending Program

Please note: On Friday, July 17, the Federal Reserve Board modified the Main Street Lending Program to provide greater access to credit for nonprofit organizations. The program overview below does not yet reflect this expansion.


The program is designed to help credit flow to small and medium-sized businesses that were in sound financial condition before the onset of the COVID-19 crisis, but now need loans to help maintain their operations until they have recovered from, or adapted to, the impacts of the pandemic.

Loans originated under the program have several features that will help businesses facing challenges. The program offers 5-year loans, with floating rates, and principal and interest payments deferred as indicated in the chart below to assist businesses facing temporary cash flow interruptions.

The loans range in size from $250,000 to $300 million – a wide range that may support a broad set of employers.

County of Westchester

Element 46

Element 46 is Westchester County’s incubator, launched in 2018. The program is designed to help you catalyze your growth. We provide programming, mentoring and free workspace, to enable our startups to develop their businesses within a network of peers, while nurturing a shared set of values. We offer a structured program on how to start and scale your business idea. This will help with general business acumen and create a foundation of information you can apply to your businesses. Training will be tailored to where you are in your startup. Sessions include Customer Discovery, Marketing, Social Media, Developing Financial Projections, Pitching to Investors, etc. Applications for Cohort 3 of Element 46 are open now for startups, mentors, and professional service providers. 

Local Initiatives
Support Corporation

Rural Relief Small Business Grants

As part of our continuing commitment to elevate our impact in rural America, LISC is inviting small business owners in rural locations across the country to apply for the LISC-Lowe’s Rural Relief Small Business Grants program.

Only small businesses located in rural communities are eligible at this time. Rural communities are defined as having a population of 50,000 or less. A community is defined as the city/town/village where your business address is located. If the business is mobile (a food truck, fishing boat, ride share driver, etc) please use the address where your vehicle is stored during non-business hours.

Non-profit organizations are ineligible for the relief funding program at this time, but may be eligible for later rounds of funding.

Central Hudson
Gas & Electric

Back to Business Funding Program

Central Hudson is pleased to offer our Back to Business funding program in coordination with our banking partners. We are committing up to $1 million in economic development support to provide local small businesses with grants to help pay down new working capital loans taken with participating local banks. This program is intended to assist small businesses in continuing operations or reopening when the economy is restarted.

Brewster Chamber
of Commerce

PPE Products and Services – Local Listing

The Putnam County Brewster Chamber of Commerce has created a list of local PPE Products and Services, click below to view.

If you want to add a business, service, or Putnam based supplier please email:


Employee Retention Tax Credit

The Employee Retention Credit is designed to encourage employers to keep employees on their payroll. The refundable tax credit is 50% of up to $10,000 in qualified wages paid to an employee by an eligible employer experiencing economic hardship related to COVID-19. This credit is for wages paid from 3/13/2020 through 12/31/2020.


New York State Council on the Arts regularly updates its listing of relief funds for cultural organizations and individuals, small business and nonprofit loan programs and legal assistance.


Funeral Assistance

The FEMA application period for Funeral Assistance is now OPEN through a dedicated call center.

COVID-19 Funeral Assistance Line Number: 844-684-6333 | TTY: 800-462-7585
Applications opened on April 12, 2021
Hours of Operation: Monday – Friday, 9 a.m. to 9 p.m.

If you/someone had COVID-19 funeral expenses, we encourage you to keep and gather documentation. Types of information should include:

· An official death certificate that attributes the death directly or indirectly to COVID-19 and shows that the death occurred in the United States, including the U.S. territories, and the District of Columbia.

· Funeral expenses documents (receipts, funeral home contract, etc.) that includes the applicant’s name, the deceased person’s name, the amount of funeral expenses, and the dates the funeral expenses happened.

· Proof of funds received from other sources specifically for use toward funeral costs. FEMA is not able to duplicate benefits received from burial or funeral insurance, financial assistance received from nongovernmental organizations, government agencies, or other sources.